Life Settlement
Blog & Resources

When clients need additional liquidity, their existing life insurance policy may offer more options than they realize. For policies with sufficient cash value, borrowing against the policy can provide access to funds without immediately surrendering coverage. But for clients who no longer need their death benefit, a life settlement may offer another alternative worth considering. At Abacus Life Solutions, we believe understanding the differences between these options can help advisors determine which approach best aligns

As the end of the year approaches, charitable giving becomes an important part of financial planning conversations. Advisors are helping clients evaluate donations, revisit financial goals, and explore ways to support the organizations and causes that matter most to them. But one potential source of charitable funding may be overlooked: an existing life insurance policy. At Abacus Life, we believe policies that no longer serve their original purpose may present an opportunity to support new

Life insurance can play an important role in a client’s financial plan. But the reasons for owning a policy can change over time. A client who purchased coverage years ago to protect their family, support an estate plan, or meet a business need may eventually reach a point where that coverage is no longer necessary. When that happens, advisors should consider another important question: What is it costing the client to keep the policy? At

Q4 is when year-end financial planning takes center stage. Advisors are reviewing portfolios, evaluating tax strategies, revisiting estate plans, and preparing clients for the year ahead. But one asset can easily be overlooked: life insurance. A policy purchased years ago may no longer align with a client’s financial situation or long-term goals. At Abacus Life Solutions, we believe year-end planning is a natural opportunity to give those policies another look. A Lot Can Change in

Most life insurance policyholders know one number: the death benefit. Some may also know the policy’s cash surrender value. But fewer understand that an eligible life insurance policy could potentially have another value altogether: its value on the secondary market. As Life Insurance Awareness Month continues, advisors have an opportunity to help clients better understand the policies they already own, including what those policies may be worth today. At Abacus Life Solutions, we believe understanding

Every September, Life Insurance Awareness Month highlights the important role life insurance can play in protecting families and supporting long-term financial plans. But life insurance awareness should not end once a policy is purchased. For financial advisors, this month is also an opportunity to revisit the policies clients already own and ask an important question: Does this coverage still fit the client’s financial plan today? At Abacus Life Solutions, we believe understanding an existing policy